Why

get

life

insurances?

Spend

a

few

minutes

and

find

out

why

it's

so

important

Below are a few clips on the importance of holding life insurances. The Australian Government requires that all employees must contribute 9.25% of their incomes into a superannuation account which is in place to help provide financial security and independence in retirement.

But what about protecting your financial security between now and retirement?

How much of your current income do you use to protect your present lifestyle and ensure that in the face of unexpected sickness and injury, you and your loved ones will be able to carry on with your lives?

Insurance is crucial as it forms the foundation of any financial plan. Almost all of our financial and lifestyle goals are underpinned by the ability to earn an income. If you're unwell and can't earn an income, having insurance in place is life changing as the videos below show.

And did you know that you can pay most of the insurances from superannuation accounts?

If you would like more information, contact us using the meet with James form to the right of this page.

Income protection insuranceProvides a benefit of up to 75% of your income if you are unable to perform one of the important income producing duties of your occupation due to disability, illness or injury.

http://www.youtube.com/watch?v=SequssWzqe0

Source: TAL Insurance

Total and Permanent Disability (TPD) and Critical Illness InsuranceTPD insurance provides a lump-sum if you are unable to ever work again in an occupation suited to you by experience, education and training due to disability, illness or injury.Critical illness insurances provides a lump-sum upon diagnosis of approximately 45 conditions. Over 90% of claims are for breast cancer, testicular cancer, heart attack and stroke.

http://www.youtube.com/watch?v=b7XklbzceCA

Source: Stone Creek Financial Centre

Life insuranceProvides a lump-sum upon death of the life insured. Is designed to pay off debts and provide financial support for the surviving family.

http://www.youtube.com/watch?v=Q1vhd5BracE

Source: Zurich Insurance